BlastPoint's Banking Scorecard
Village Bank
Saint Francis, MN
4 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +0.5% year over year ($366.2M on the books).
- Delinquency rate 0.40%.
- Return on assets 0.67%.
- Efficiency ratio 74.21% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Village Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 9.73% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$411.9M
+3.7% YoY
+0.4% QoQ
|
+$25.3M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$292.3M
+5.4% YoY
+1.9% QoQ
|
+$34.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$366.2M
+0.5% YoY
+5.6% QoQ
|
+$39.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
0.67%
-5.9% YoY
+13.6% QoQ
|
-0.66% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.61%
+2.9% YoY
+1.7% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
74.21%
+1.2% YoY
-1.6% QoQ
|
+9.73% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.40%
-55.4% YoY
-29.6% QoQ
|
-0.52% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
79.83%
+4.9% YoY
-3.5% QoQ
|
+1.88% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
26.11%
-0.6% YoY
+4.3% QoQ
|
+4.08% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.77%
-29.3% YoY
-13.0% QoQ
|
+0.10% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
12.43%
-1.8% YoY
+0.4% QoQ
|
-3.48% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.21%
-4.4% YoY
+109.6% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.1%
-0.2pp YoY +1.1pp QoQ |
+4.0pp | 22.1% | 21.9% | 22.2% | 70% |
| Brokered Deposits |
0.1%
0.0pp YoY 0.0pp QoQ |
-7.7pp | 7.9% | 8.3% | 8.5% | 7% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.5%
+0.5pp YoY +1.7pp QoQ |
+9.0pp | 11.6% | 14.6% | 12.5% | 89% |
| CRE |
61.4%
+0.5pp YoY -1.7pp QoQ |
+21.8pp | 39.5% | 36.5% | 41.4% | 86% |
| 1-4 Family |
17.2%
-1.5pp YoY 0.0pp QoQ |
-15.4pp | 32.6% | 29.4% | 31.3% | 24% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.5% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.2pp YoY 0.0pp QoQ |
-6.4pp | 18.8% | 16.5% | 19.7% | 21% |
| Leverage Ratio |
9.0%
+0.1pp YoY +0.2pp QoQ |
-3.2pp | 12.2% | 11.0% | 12.6% | 12% |
| Total Capital Ratio |
13.6%
-0.3pp YoY +0.1pp QoQ |
-6.4pp | 19.9% | 17.6% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+1 (+1.8%) YoY +4 (+7.7%) QoQ |
-3 | 58 | 55 | 482 | 60% |
| Assets per Employee ($) |
$7.4M
+1.8% YoY -6.8% QoQ |
-$163K | $7.5M | $8.6M | $8.8M | 58% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 29% |
| Nonaccrual |
0.4%
-0.5pp YoY -0.2pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 45% |
| Allowance Coverage |
2.89x
+87.8% YoY +42.6% QoQ |
-21.26x | 24.15x | 20.41x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
1.4%
+1.3pp YoY -1.2pp QoQ |
+1.2pp | 0.1% | 0.2% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
-2.1pp YoY +1.1pp QoQ |
-2.6pp | 12.2% | 13.1% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 44% |
| Net Income ($, YTD) |
$1.4M
-2.7% YoY — QoQ |
-$1.2M | $2.6M | $4.5M | $40.4M | 38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.